Where to Place Homeowners & Hard-to-Place Property Insurance in California

Real carrier recommendations from independent insurance agents who have placed hard-to-place homeowners, landlord, and property risks in California.

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Discussions
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Agent Replies
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Carriers Mentioned

Top Carriers for Homeowners & Hard-to-Place Property Insurance in California

These carriers are most frequently recommended by agents for placing hard-to-place homeowners, landlord, and property risks in California.

American Modern 1 mention Mercury 1 mention State Farm 1 mention Travelers 1 mention Progressive 1 mention

Agent Discussions About Homeowners & Hard-to-Place Property Insurance in California

Real conversations from agents about placing hard-to-place homeowners, landlord, and property risks in California.

Discussion

All-star contributor Fellow Soupers, I need some advice. I'm in CA. I have a Travelers appointment through Smart Choice that is being terminated (just the personal lines portion) along with I'm told hundreds of other agents. I have about $100K in auto/home and some umbrellas. I don't have...

πŸ“ California 🏒 Travelers, Progressive πŸ’¬ 6 replies

View more comments Marisol Villalvazo Top contributor Mercury is appointing

View all 2 replies Ryan Dunsdon Top contributor You should be lucky its now. Alot of agents including myself went through this several years ago. That's odd, cause SamrtChoice is a large aggregator...

View all 8 replies Comment as Justin Insurance Soupβ„’ Rob Winter All-star contributor Can anyone tell me more about Root auto insurance? Non-standard only? Rates? etc. All reactions:

Landlord Single Family Home Carrier in California - Other than Bamboo

Anyone in Ca have a carrier for a landlord single family home other than Bamboo?

πŸ“ California

Landlord DP3 DP1 and Condo Companies in California - Hard to Place

Happy Tuesday!! I'm in Cali and I desperately need companies for Landlord / Dp3 / DP1 and CONDO!! owner occupied and tenant occupied condo are so hard to place. I have Steadily LSI ISC American Modern but I'm dying lol. So many exclusion. It's getting rough but any support gladly appreciated!!...

πŸ“ California 🏒 American Modern, Mercury

Discussion

A surprise to no one. KCRA 3 California is seeking millions of dollars in penalties from State Farm after an investigation found the insurance company was slow to investigate and underpaid claims f… See more All reactions:

πŸ“ California 🏒 State Farm

Discussion

Happy Friday Soupers! Hoping someone can help me with this question. I have a relative in CA who is moving out of their house and going to assisted living. Home is titled to a trust. Their current agent told them something about getting "commercial" insurance for the home (whether it's vacant or...

πŸ“ California

Discussion

Anyone have a property market in California? Rancho Santa Fe I have a client with 3.7 million home wildfire risk 3. protection class 2. Thanks!

πŸ“ California

Discussion

CA-Rancho Sante Fe-High Value BRUSH home market-with Lloyds Syndicate now/Hamilton-any ideas where else to try, GA's? 38k renewal premium. thanks All reactions:

πŸ“ California, Georgia

Discussion

HELP- I have a brand-new High Value Brush home in Rancho Sante Fe, CA to insure, my Go To Surplus market telling me they can't write due to We are unable to quote as it can’t be located on our mapping tool. Anyone has an idea where/how to place besides CA Fair Plan which will not offer enough...

πŸ“ California

Frequently Asked Questions

Which carriers write hard-to-place homeowners, landlord, and property risks in California?

Based on agent discussions, carriers frequently mentioned for hard-to-place homeowners, landlord, and property risks in California include American Modern, Mercury, State Farm, Travelers, Progressive. Availability varies by specific risk details.

Is hard-to-place homeowners, landlord, and property risks hard to place in California?

Many agents report difficulty placing hard-to-place homeowners, landlord, and property risks in California. Our database contains 8 discussions specifically about this niche in California, reflecting the ongoing challenges agents face finding willing carriers.

How do I find a carrier for hard-to-place homeowners, landlord, and property risks in California?

Independent agents in California recommend networking with peers, working with wholesale brokers like RT Specialty or Kinsale, and checking surplus lines markets. Browse the 8 agent discussions below for specific carrier recommendations.